Americans have disparate access to retirement plans

Sarah Skidmore Sell AP Business Writer - Americans who want to retire may face very unequal paths to get there depending on where they live. Workplace retirement plans, such as 401(k) accounts, have become a critical retirement savings tool for most Americans. Yet about 40 percent of full-time private sector workers in the U.S. lack access to an employer-based retirement saving plan. And access varies drastically across the country and even within a state, according to a study released Tuesday by the Pew Charitable Trusts. The